FGL (FG) versus UTG (UTGN) Financial Review

FGL (NYSE:FG) and UTG (OTCMKTS:UTGN) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, profitability, earnings, dividends, analyst recommendations, valuation and institutional ownership.

Institutional and Insider Ownership

70.7% of FGL shares are owned by institutional investors. 21.5% of FGL shares are owned by company insiders. Comparatively, 67.3% of UTG shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares FGL and UTG’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FGL $1.72 billion 1.03 $41.00 million N/A N/A
UTG $28.73 million 3.64 $4.81 million N/A N/A

FGL has higher revenue and earnings than UTG.

Profitability

This table compares FGL and UTG’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FGL 3.74% 7.49% 0.40%
UTG 48.76% 26.40% 7.34%

Analyst Recommendations

This is a summary of recent recommendations for FGL and UTG, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FGL 0 3 3 0 2.50
UTG 0 0 0 0 N/A

FGL currently has a consensus price target of $10.63, indicating a potential upside of 32.65%. Given FGL’s higher possible upside, research analysts plainly believe FGL is more favorable than UTG.

FGL Company Profile

FGL Holdings, through its subsidiaries, sells individual life insurance products and annuities in the United States. The company offers deferred annuities, including fixed indexed annuity contracts and fixed rate annuity contracts; immediate annuities; and life insurance products. It also provides life and annuity reinsurance services, such as reinsurance on asset intensive, long duration life, and annuity liabilities. The company sells its products through independent agents, managing general agents, and specialty brokerage firms, as well as various institutional markets. FGL Holdings is based in Grand Cayman, the Cayman Islands.

UTG Company Profile

UTG, Inc., an insurance holding company, provides individual life insurance products and services in the United States. Its individual life insurance includes servicing of existing insurance business in-force; the acquisition of other companies in the insurance business; and the administration processing of life insurance business for other entities. The company also offers reinsurance products. The company was founded in 1984 and is headquartered in Stanford, Kentucky.

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